Tag: ky first time home buyer classes

Kentucky First Time Home Buyer Tips for a Smooth Closing after loan pre-approval


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Kentucky Home Buyer Tips for a Smooth Closing after loan pre-approvalToo Tips For Home Buyers

Tip #1: Things to Avoid Before Buying a Your First Home in Kentucky!!!

 

 

 

Here are some things to avoid during the Kentucky First Time home buying process to assure your transaction goes smoothly:

-Don’t Make an Expensive Purchase

It’s best to avoid making major purchases like furniture, cars, appliances, electronic equipment, jewelry, or vacations until after the closing. Financing furniture with a credit card could jeopardize your credit worthiness during the time it means the most. Using cash to purchase big items can also create a problem because many banks take into consideration your cash reserve when approving your mortgage.

-Don’t Get a New Job

Lenders like to see a consistent job history. Generally, changing jobs will not affect your ability to qualify for a mortgage loan-especially if you are going to be making more money. But for some people, getting a new job during the loan approval process could raise some concern and affect your application.

-Don’t Switch Banks or Move Money Around

As your lender reviews your loan package, you will be asked to provide bank statements for the last two or three months on your checking accounts, savings accounts, money market funds and other liquid assets. To eliminate potential fraud, most loans require a thorough paper trail to document the source of all funds. Changing banks or transferring money to another account could make it difficult for the lender to document your funds.

-Don’t Disregard Your Lenders Requirements

You may have been pre-approved for the loan but your work with the lender is far from over. Your lender will need copies of your bank statements, W2s and other paperwork. It is up to you to get it to him or her as soon as possible. Failure to submit certain qualifying documents could cause you to lose your loan and the financing you need to buy your home.

Sincerely, 

We see a bunch of clients come in that could have saved themselves some headaches if they would’ve followed these tips for buying a home.

 

 

  1. Do NOT purchase a new vehicle. (If you can help it)
    1. You may be just graduating college or getting that well deserved promotion at work and be tempted to treat yourself to that shiny new vehicle. If at all possible, fight that urge! When we are calculating your debt-to-income ratio, that car payment can possibly take away the purchasing power that you wished you had. Instead of a $150,000 house, you’re now looking at an $80,000 home.
  2. Do NOT change jobs or how you’re paid.
    1. The main reason we try to not have people change jobs is not because of the history but the possibility of the way that you were and are paid now. If you were salaried 6 months ago and now you are paid a smaller salary but with commissions, there is a good possibility we won’t be able to count those commissions since you haven’t received them for two years. So if a job opportunity arises or HR is possibly promoting you to a new pay system, weigh the costs of maybe not being able to buy a home.
  3. Do NOT deposit cash or large untraceable deposits.
    1. The old saying used to be “cash is king”. Some people still think that they can bring their mattress money or rainy day funds to closing and unfortunately that is not the case anymore. When we are going through the loan process and see a large deposit that isn’t an auto deposit from payroll, things can get a little dicey. Ever since the mortgage crisis in 2008 and 2009, the government makes us “source” funds like that. It’s their way of making sure that there isn’t possible money laundering or fraud happening. If you sell a vehicle or an item for cash, please document it as clearly as possible.
  4. Listen to your loan officer
    1. This is an extremely easy one but you’d be surprised how many times people don’t follow this. An analogy that Don tells his clients is to think of buying a home like a maze. This is especially true with all the regulations and rules they have put in place since the mortgage crisis. You, the borrower, are trying to get to the end of the maze and get into the home. We as loan officers have a better view point of the maze and can help guide you through it. If you don’t trust us and let us guide you, it can take a lot longer to get into the home or possibly do something that makes it to where you can’t get a home at all.

http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu
 
Joel Lobb (NMLS#57916)
Senior  Loan Officer
 
American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
Louisville, KY 40223
Company ID #1364 | MB73346
 


Text/call 502-905-3708
kentuckyloan@gmail.com

http://www.nmlsconsumeraccess.org/
If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.   
Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant  Equal Opportunity Lender. NMLS#57916http://www.nmlsconsumeraccess.org/
 
— Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification.

24 New Fannie Mae Homes in Kentucky Government Foreclosures 2017


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Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Kentucky General Mortgage Guide for Underwriting A…: Kentucky Mortgage Underwriting Guidelines Understanding  Mortgage mortgage underwriting guidelines will help you understand your loan opt…


Posted By Blogger to Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage

Address Location Type Status Price Beds Baths
Previous Next
114 Dakota Cir
Carrollton, KY
Carrollton, KY 41008
Single Family Just Listed $119,900 3 2 First Look Program
4516 Amerivan Ct
Louisville, KY
Single Family Just Listed $198,900 4 2 First Look Program
1530 Spring Creek Dr
Murray, KY
Single Family Just Listed $299,900 3 3 First Look Program
3508 E 6th St
Owensboro, KY
Single Family Just Listed $63,000 3 1 First Look Program
10823 Muirfield Ct
Union, KY
Single Family Just Listed $158,500 2 4 First Look Program
843 Button Knob Rd
Liberty, KY
Single Family Just Listed $92,500 4 2 First Look Program
1557 Dunbar Leetown Rd
Morgantown, KY
Single Family Just Listed $134,500 3 2 First Look Program
563 Saint Andrews Rd
Brandenburg, KY
Single Family Just Listed $155,000 3 3 First Look Program
362 Pollitt Cir
New Castle, KY
Single Family Just Listed $64,500 3 2 First Look Program
931 Robin Cir
Radcliff, KY
Single Family Just Listed $116,500 3 2 First Look Program
114 Indian Trace Rd
Cadiz, KY
Single Family Just Listed $154,000 4 3 First Look Program
2589 Oregon Rd
Salvisa, KY
Single Family Just Listed $247,500 5 5 First Look Program
12 Crestwood Ave
Newport, KY
Single Family Back on Market $87,000 2 1
727 Agawam Rd
Winchester, KY
Single Family Back on Market $129,900 4 3 First Look Program
40 Beech Dr
Ft Mitchell, KY
Single Family Back on Market $84,500 3 2
313 Shakers Landing Rd
Harrodsburg, KY
Single Family Back on Market $142,500 3 2
8854 Valley Circle Dr
Florence, KY
Single Family Back on Market $118,800 3 2
163 Falls Ln
Shepherdsville, KY
Single Family Back on Market $99,900 4 1
213 Ridge Pole Rd
Brandenburg, KY
Single Family Price Reduced $199,900 4 4
1520 Bryan Rd
Boaz, KY
Single Family Price Reduced $117,500 4 3
8 Davenport Ln
Williamsburg, KY
Single Family Price Reduced $85,000 3 3
414 Village Dr
Frankfort, KY
Single Family Active $165,000 4 4
120 Ridgemont Rd
Paducah, KY
Single Family Active $94,500 3 3
3445 Bonny Lea Ct
Louisville, KY
Single Family Active $129,900 3 2 First Look Program
6003 Murnan Rd
Newport, KY
Single Family Active $77,500 3 2
21 Highway 578 N
Annville, KY
Single Family Active $99,900 4 2 First Look Program
11501 Flowervale Ln
Louisville, KY
Single Family Active $74,900 3 1
146 Grand Oak Blvd
Shepherdsville, KY
Single Family Active $255,000 4 3
18 Alice Dr
Greenup, KY
Single Family Active $75,000 4 2.5
424 E Union St
Hartford, KY
Single Family Active $98,900 4 2
2024 Woodmere Ct
Hebron, KY
Single Family Active $169,900 4 3
1927 Brooklyn Chapel Rd
Morgantown, KY
Single Family Active $89,900 3 2
112 Valley Brook Dr
Frankfort, KY
Single Family Active $85,000 3 2
250 Commerce St
Hardin, KY
Single Family Active $69,900 4 2
421 Newby Rd
Richmond, KY
Single Family Active $109,900 4 2
136 W Main St
Mount Sterling, KY
Single Family Active $115,000 5 2
2440 Lancaster Rd
Richmond, KY
Single Family Active $299,900 4 5
3510 Mcneil Rd
Boaz, KY
Single Family Active $249,000 3 2
145 Douglas Ave W
Stanford, KY
Single Family Active $115,000 3 2
418 A Mckinney Rd
Glasgow, KY
Single Family Active $72,500 2 1
532 Park Ridge Dr
Richmond, KY
Single Family Active $269,900 4 4
96 Cross Creek Farms Rd
Benton, KY
Single Family Active $209,500 5 4 First Look Program
3401 Wolf Creek Rd
Williamsburg, KY
Single Family Active $83,500 3 1

 

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Louisville Kentucky First Time Home Buyer 2017 Kentucky First Time Home Buyer Grant for $10,000 from Kentucky Housing

Louisville Kentucky First Time Home Buyer 2017 Kentucky First Time Home Buyer Grant for $10,000 from Kentucky Housing


2017 Kentucky First Time Home Buyer Grant for $10,000 from Kentucky Housing
louisvillekentuckyfirsttimehomebuyer.com
A Kentucky Mortgage Blog for First Time Home Buyers in Kentucky

Give us a try or let us compare your options on your next mortgage transaction. Call me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications.

Email me at kentuckyloan@gmail.com with your questions

I specialize in Kentucky FHA, VA ,USDA, KHC, Conventional and Jumbo mortgage loans. I am based out of Louisville Kentucky. For the first time buyer with little money down, we offer Kentucky Housing or KHC loans with down payment assistance.

This website is not an government agency, and does
not officially represent the HUD, VA, USDA or FHA or any other government agency.

NMLS# 57916 http://www.nmlsconsumeraccess.org/

Joel Lobb Senior Loan Officer

American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
Louisville, KY 40223

phone: (502) 905-3708
Fax: (502) 327-9119
kentuckyloan@gmail.com

Company ID #1364 | MB73346E
EQUAL HOUSING LENDER
http://www.mylouisvillekentuckymortgage.com/

Kentucky List of Foreclosed Homes by Fannie Mae, USDA, and KHC


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State Days Old Counties
KY 365 ADAIR, ALLEN, ANDERSON, BALLARD, BARREN, BATH, BELL, BOONE, BOURBON, BOYD, BOYLE, BRACKEN, BREATHITT, BRECKINRIDGE, BULLITT, BUTLER, CALDWELL, CALLOWAY, CAMPBELL, CARLISLE, CARROLL, CARTER, CASEY, CHRISTIAN, CLARK, CLAY, CLINTON, CRITTENDEN, CUMBERLAND, DAVIESS, EDMONSON, ELLIOTT, ESTILL, FAYETTE, FLEMING, FLOYD, FRANKLIN, FULTON, GALLATIN, GARRARD, GRANT, GRAVES, GRAYSON, GREEN, GREENUP, HANCOCK, HARDIN, HARLAN, HARRISON, HART, HENDERSON, HENRY, HICKMAN, HOPKINS, JACKSON, JEFFERSON, JESSAMINE, JOHNSON, KENTON, KNOTT, KNOX, LARUE, LAUREL, LAWRENCE, LEE, LESLIE, LETCHER, LEWIS, LINCOLN, LIVINGSTON, LOGAN, LYON, MADISON, MAGOFFIN, MARION, MARSHALL, MARTIN, MASON, MCCRACKEN, MCCREARY, MCLEAN, MEADE, MENIFEE, MERCER, METCALFE, MONROE, MONTGOMERY, MORGAN, MUHLENBERG, NELSON, NICHOLAS, OHIO, OLDHAM, OWEN, OWSLEY, PENDLETON, PERRY, PIKE, POWELL, PULASKI, ROBERTSON, ROCKCASTLE, ROWAN, RUSSELL, SCOTT, SHELBY, SIMPSON, SPENCER, TAYLOR, TODD, TRIGG, TRIMBLE, UNION, WARREN, WASHINGTON, WAYNE, WEBSTER, WHITLEY, WOLFE, WOODFORD, WOODFORD
To change your preferences, click here.
Address Bed/Bath Price
65 Bon Jan Lane 3/1 $51,590.00 – GovtBid
Highland Heights, KY 41076 Foreclosure Sale
7234 Nekirk Rd. 3/1 $25,460.00 – GovtBid
Ashland, KY 41102 Foreclosure Sale
275 Highway 227 N 3/1 $42,210.00 – GovtBid
New Liberty, KY 40355 Foreclosure Sale
171 State Route 1461 3/2 $24,790.00 – GovtBid
Fulton, KY 42041 Foreclosure Sale
204 N. Madison St. 2/1 $26,800.00 – GovtBid
Owenton, KY 40359 Foreclosure Sale
1254 Baker Branch Rd 2/1 $60,195.00 – GovtBid
Tutor Key, KY 41263 Foreclosure Sale

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BRECKINRIDGE
331 E 6TH STREET 12/19/2016
HARDINSBURG, KY 40143
FAYETTE
419 DABNEY DRIVE 1/9/2017
LEXINGTON, KY 40502
HARDIN
249 INDIANA TRAIL 1/5/2017
RADCLIFF, KY 40160
JEFFERSON
1276 MORGAN AVE 1/13/2017
LOUISVILLE, KY 40213
1623 BELMAR DRIVE 1/13/2017
LOUISVILLE, KY 40213
1106 CLAYBOURNE ROAD 1/13/2017
LOUISVILLE, KY 40214
1529 BICKNELL AVE 1/13/2017
LOUISVILLE, KY 40215
1108 VINEWOOD RD 1/13/2017
LOUISVILLE, KY 40219
1534 WALTER AVE 1/27/2017
LOUISVILLE, KY 40215
4421 MCGILL DR 1/27/2017
LOUISVILLE, KY 40215
LOGAN
5360 TAYLOR BARROW ROAD 12/20/2016
AUBURN, KY 42206
MEADE
575 DUGOUT DR 1/9/2017
VINE GROVE, KY 40175
PENDLETON
310 BEECH ST 12/15/2016
FALMOUTH, KY 41040
SHELBY
46 CHRISTIANBURG ROAD 12/15/2016
SHELBYVILLE, KY 40065

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$72,500Back on Market

3522 Alpha Ct
Erlanger, KY 41018

5 Beds |3 Baths | 1919 sq. ft.

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$82,900Price Reduced

8020 Us Highway 23 S
Pikeville, KY 41501

4 Beds |1 Baths | 3140 sq. ft.

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$109,900Price Reduced

245 Andromeda Dr
Paducah, KY 42001

4 Beds |3 Baths | 2566 sq. ft.

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$189,900Active

7815 Appleview Ln
Louisville, KY 40228

3 Beds |3 Baths | 2486 sq. ft.

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$74,900Active

313 Town Branch Rd
Manchester, KY 40962

3 Beds |2 Baths | 1248 sq. ft.

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$99,900Active

402 Linda Dr
Hopkinsville, KY 42240

3 Beds |3 Baths | 1440 sq. ft.

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$58,000Active

2708 Hidden Valley Dr
Catlettsburg, KY 41129

2 Beds |1 Baths | 1315 sq. ft.

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Joel Lobb
Senior  Loan Officer
(NMLS#57916)
 
 Fax:     (502) 327-9119
 
 

 

USDA Lowers Loan Costs for Kentucky Home Buyers and Home Owners


USDA and Rural Development Lowers Loan Costs for Kentucky Home Buyers and Homeowners
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Under the new guidelines, effective October 1, 2016, USDA announced it will lower its upfront fee from 2.75 percent to 1 percent of the total mortgaged amount. The annual fee will also be reduced from 0.50 percent to 0.35 percent. This change is in effect until September 30, 2017.

USDA Rural Development and its loan program strive to help more families achieve the American dream of homeownership by providing qualifying borrowers the opportunity to own a primary residence in eligible rural areas.

If you or someone you know would like to see if you qualify for a USDA loan, or if you have any other questions about home loans, feel free to call or email me today.

Sincerely,
 

Joel Lobb
Senior  Loan Officer

(NMLS#57916)

 

American Mortgage Solutions, Inc.

10602 Timberwood Circle, Suite 3

Louisville, KY 40223
text or call phone: (502) 905-3708

entuckyloan@gmail.com

 

 

http://www.mylouisvillekentuckymortgage.com/

fha-pre-qualification-quote

Kentucky Fannie Mae and Freddie Mac First Time Home Buyer Education Requirements

Kentucky Fannie Mae and Freddie Mac First Time Home Buyer Education Requirements


 Kentucky Fannie Mae and Freddie Mac First Time Home Buyer Education Requirements

HUD Approved Housing Counseling Agencies for Kentucky Home buyers

Agencies located in KENTUCKY
Agency Name Phone, Toll-Free,
Fax Number,
Email, Website
Address Counseling Services Languages Parent Organization
KENTUCKY COMMUNITIES ECONOMIC OPPORTUNITY COUNCIL, INC. (KCEOC) Phone: 606-546-3152
Fax: 606-546-5057
E-mail: dcornelius@kceoc.com
5448 N. U.S. 25E, Ste.A
PO Box 490
Barbourville, Kentucky 40906
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– English KENTUCKY HOUSING CORPORATION
BOWLING GREEN HUMAN RIGHTS COMMISSION Phone: 270-782-7900
Fax: 270-782-6997
E-mail: bghrc1@aol.com
Website:www.bgky.org/humanrights.htm
491 Double Springs Road
BOWLING GREEN, Kentucky 42101-5185
– Fair Housing Pre-Purchase Education Workshops
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Predatory Lending Education Workshops
– Services for Homeless Counseling
– English
– Spanish
CCCS OF THE MIDWEST Phone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com
1725 Ashley Circle, Ste 107
BOWLING GREEN, Kentucky 42104-5811
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– English CCCS OF THE MIDWEST/APPRISEN
HOUSING ASSISTANCE AND DEVELOPMENT SERVICES, INC. Phone: 270-796-4176
Fax: 270-796-8203
E-mail: hands@handsinc.net
Website: www.handsinc.net
1133 Adams Street
BOWLING GREEN, Kentucky 42101-2603
– Fair Housing Pre-Purchase Education Workshops
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Rental Housing Counseling
– Services for Homeless Counseling
– English
KENTUCKY LEGAL AID Phone: 270-782-1924
E-mail: N/A
Website: www.klaid.org
1700 Destiny Ln
BOWLING GREEN, Kentucky 42104-1063
– Mortgage Delinquency and Default Resolution Counseling
– Pre-purchase Counseling
– Rental Housing Counseling
– Services for Homeless Counseling
– English
– Spanish
WEST TENNESSEE LEGAL SERVICES, INCORPORATED
LIVE THE DREAM DEVELOPMENT, INC Phone: 270-843-6071-7124
Fax: 270-781-7091
E-mail: eholley@habg.org
247 Double Springs Road
BOWLING GREEN, Kentucky 42101-5160
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– English
CAMPBELLSVILLE HOUSING AND REDEVELOPMENT AUTHORITY Phone: 270-465-3576-236
Fax: 270-465-2444
E-mail: jhall@campbellsvillehousing.com
Website: www.cvillehousingonline.com
400 Ingram Ave
PO Box 597
CAMPBELLSVILLE, Kentucky 42718-1627
– Financial Management/Budget Counseling
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Rental Housing Counseling
– English
CATHOLIC CHARITIES, DIOCESE OF COVINGTON Phone: 859-581-8974
Fax: 859-581-9595
E-mail: info@covingtoncharities.org
Website: www.covingtoncharities.org
3629 Church St
COVINGTON, Kentucky 41015-1430
– Fair Housing Pre-Purchase Education Workshops
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– Rental Housing Counseling
– Services for Homeless Counseling
– English
– Spanish
CATHOLIC CHARITIES USA
LEGAL AID OF THE BLUEGRASS Phone: 859-957-0189
Toll-free: 800-274-5863
Fax: 606-783-1342
E-mail: bcombs@lablaw.org
Website: www.lablaw.org
104 East 7th Street
COVINGTON, Kentucky 41011-2502
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– Rental Housing Counseling
– Services for Homeless Counseling
– English
– Spanish
WEST TENNESSEE LEGAL SERVICES, INCORPORATED
CCCS OF THE MIDWEST Phone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com/home.asp
950 North Mulberry
Suite 220F
ELIZABETHTOWN, Kentucky 42701-3612
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– English CCCS OF THE MIDWEST/APPRISEN
CCCS OF THE MIDWEST Phone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com/home.asp
11 Shelby Street
FLORENCE, Kentucky 41042-1612
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– English CCCS OF THE MIDWEST/APPRISEN
CCCS OF THE MIDWEST Phone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com
649 Charity Court
#15
FRANKFORT, Kentucky 40601-4223
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– English CCCS OF THE MIDWEST/APPRISEN
KENTUCKY DOMESTIC VIOLENCE ASSOCIATION Phone: 502-209-5382-502
Toll-free: 502-209-5382
Fax: 502-226-5382
E-mail: modoherty@kdva.org
Website: kdva.org
111 Darby Shire Circle
FRANKFORT, Kentucky 40601-2741
– Pre-purchase Homebuyer Education Workshops – English KENTUCKY HOUSING CORPORATION
KENTUCKY HOUSING CORPORATION Phone: 502-564-7630-775
Toll-free: 800-633-8896
Fax: 502-564-5657
E-mail: shillard@kyhousing.org
Website: www.kyhousing.org
1231 Louisville Rd.
FRANKFORT, Kentucky 40601-6156
– Fair Housing Pre-Purchase Education Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– English
– Spanish
KCEOC COMMUNITY ACTION PARTNERSHIP, INC. Phone: 606-546-3152-300
Fax: 606-546-5057
E-mail: jsmith@kceoc.com
Website: www.povertyisreal.com
5448 N US 25 E, Suite A
GRAY, Kentucky 40734-6582
– Fair Housing Pre-Purchase Education Workshops
– Financial Management/Budget Counseling
– Financial, Budgeting and Credit Repair Workshops
– Home Improvement and Rehabilitation Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– Rental Housing Counseling
– Rental Housing Workshops
– Resolving/Preventing Mortgage Delinquency Workshops
– Services for Homeless Counseling
– English
LESLIE, KNOTT, LETCHER, PERRY COMMUNITY ACTION CENTER Phone: 606-436-3161-180
Toll-free: 800-401-4287
Fax: 606-439-1157
E-mail: a.thompson@lklp.net
Website: www.lklp.org
98 Roy Campbell
HAZARD, Kentucky 41701-9444
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– English KENTUCKY HOUSING CORPORATION
BARRET CENTER, INC Phone: 270-827-1486-114
Fax: 270-826-8673
E-mail: susangay@hahenderson.net
111 S Adams Street
HENDERSON, Kentucky 42420-3611
– Pre-purchase Homebuyer Education Workshops – English KENTUCKY HOUSING CORPORATION
KENTUCKY LEGAL AID, INCORPORATED Phone: 270-782-5740
Toll-free: 866-452-9243
Fax: 270-782-5740
E-mail: scrocker@klaid.org
Website: www.klaid.org
1411 South Main Street
HOPKINSVILLE, Kentucky 42240-2017
– Mortgage Delinquency and Default Resolution Counseling
– Pre-purchase Counseling
– Rental Housing Counseling
– English KENTUCKY LEGAL AID
CCCS OF THE MIDWEST Phone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com/home.asp
2265 Harrodsburg Road
Stuite. 303
LEXINGTON, Kentucky 40504-3500
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– English CCCS OF THE MIDWEST/APPRISEN
COMMUNITY VENTURES CORPORATION Phone: 859-231-0054
E-mail: dmajor@cvcky.org
Website: www.asite.com
1450 N Broadway
Lexington, Kentucky 40505-3162
– Fair Housing Pre-Purchase Education Workshops
– Financial Management/Budget Counseling
– Home Improvement and Rehabilitation Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– Rental Housing Counseling
– Arabic
– Cambodian
– English
NEIGHBORHOOD REINVESTMENT CORPORATION
REACH, INC. Phone: 859-455-8057
Fax: 859-455-7436
E-mail: kjones@reachky.com
Website: www.reachky.com
733 Red Mile Rd
Lexington, Kentucky 40504+1153
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– English
– Spanish
ROAD TO HOMEOWNERSHIP, INC. Phone: 502-647-3027
Fax: 502-647-3099
E-mail:ybradford@theroadleadinghome.org
121 Prosterous Place Ste A
LEXINGTON, Kentucky 40509-1800
– Fair Housing Pre-Purchase Education Workshops
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– Rental Housing Counseling
– Services for Homeless Counseling
– English
CCCS OF THE MIDWEST Phone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com
2100 Gardiner Lane Ste 103A
LOUISVILLE, Kentucky 40205-2900
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– English CCCS OF THE MIDWEST/APPRISEN
CCCS OF THE MIDWEST Phone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@apprisen.com
Website: www.apprisen.com
11492 Bluegrass Parkway
Suite 110
LOUISVILLE, Kentucky 40299-2334
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– English CCCS OF THE MIDWEST/APPRISEN
HOUSING FOUNDATION Phone: 270-965-2233
Toll-free: 866-965-2239
Fax: 775-213-7867
E-mail: myhomeky@bellsouth.net
Website: www.myhomeky.org
330 North Hubbards Lane Office #4
LOUISVILLE, Kentucky 40207-2396
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– English KENTUCKY HOUSING CORPORATION
LEGAL AID SOCIETY, INC. Phone: 502-584-1254
Fax: 502-584-8014
E-mail: spope@laslou.org
416 West Muhammad Ali Blvd., Suite 300
LOUISVILLE, Kentucky 40202-3376
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Predatory Lending Education Workshops
– Rental Housing Counseling
– Services for Homeless Counseling
– English
– French
– Hindi
– Other
– Spanish
WEST TENNESSEE LEGAL SERVICES, INCORPORATED
LOUISVILLE CENTRAL COMMUNITY CENTER Phone: 502-583-8821
Fax: 502-583-8824
E-mail: rclay@lcccnews.org
1300 W. Muhammad Ali Blvd
LOUISVILLE, Kentucky 40203-1744
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– English KENTUCKY HOUSING CORPORATION
LOUISVILLE URBAN LEAGUE Phone: 502-566-3362
Fax: 502-568-4663
E-mail: cmccravy@lul.org
Website: www.lul.org
1535 West Broadway
LOUISVILLE, Kentucky 40203-3515
– Fair Housing Pre-Purchase Education Workshops
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– Rental Housing Counseling
– Services for Homeless Counseling
– English NATIONAL URBAN LEAGUE
NID-HCA SICKLES Phone: 502-810-9200
Fax: 502-966-6040
E-mail: nidhca.sickles@gmail.com
Website: www.nidonline.org & www.makingyourhomeaffordable.org
3215 Fern Valley Road, Suite #106
LOUISVILLE, Kentucky 40213-3563
– Fair Housing Pre-Purchase Education Workshops
– Financial Management/Budget Counseling
– Home Improvement and Rehabilitation Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– Rental Housing Counseling
– Services for Homeless Counseling
– English
– Spanish
NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
THE HOUSING PARTNERSHIP, INC Phone: 502-585-5451
E-mail: lwood@wearehpi.org
Website: www.asite.com
321 Guthrie Grn
LOUISVILLE, Kentucky 40202-1813
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– Rental Housing Counseling
– English
– Spanish
HOUSING PARTNERSHIP NETWORK
KENTUCKY LEGAL AID, INCORPORATED Phone: 270-782-5740
Toll-free: 800-782-1924
Fax: 270-825-0689
E-mail: scrocker@klaid.org
Website: www.klaid.org
100 South Railroad Street, # 120
MADISONVILLE, Kentucky 42431-2467
– Mortgage Delinquency and Default Resolution Counseling
– Pre-purchase Counseling
– Rental Housing Counseling
– English KENTUCKY LEGAL AID
DANIEL BOONE DEVELOPMENT COUNCIL Phone: 606-598-5127
Fax: 606-599-9712
E-mail:marthanna.dobson@danielboonecaa.org
Website: none
1535 Shamrock Road
MANCHESTER, Kentucky 40962-9201
– Pre-purchase Counseling – English KENTUCKY HOUSING CORPORATION
PURCHASE AREA HOUSING CORPORATION Phone: 270-247-7171
Fax: 270-251-6110
E-mail:David.Hargrove@purchaseadd.org
Website: www.purchaseadd.org
1002 Medical Dr
MAYFIELD, Kentucky 42066-1184
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Rental Housing Counseling
– Services for Homeless Counseling
– English
BRIGHTON CENTER, INCORPORATED Phone: 859-491-8303
E-mail: brighton@brightoncenter.com
Website: brightoncenter.com
799 Ann ST
NEWPORT, Kentucky 41071-1218
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Rental Housing Counseling
– English
KENTUCKY LEGAL AID, INCORPORATED Phone: 270-782-5740
Toll-free: 866-452-9243
Fax: 270-683-3513
E-mail: jmorre@klaid.org
Website: www.klaid.org
117 West 2nd Street
OWENSBORO, Kentucky 42303-4112
– Mortgage Delinquency and Default Resolution Counseling
– Pre-purchase Counseling
– Rental Housing Counseling
– English
– Spanish
KENTUCKY LEGAL AID
CLEARPOINT FINANCIAL SOLUTIONS, INC. Phone: 877-877-1995
Toll-free: 877-877-1995
E-mail:customer.service@clearpointccs.org
Website: www.clearpointccs.org
118 Bleich Rd
C-Plant Credit Union Building


PADUCAH, Kentucky 42003-8703
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Pre-purchase Counseling
– ASL
– English
– Spanish
CLEARPOINT FINANCIAL SOLUTIONS, INC.
KENTUCKY LEGAL AID, INCORPORATED Phone: 270-782-5740
Toll-free: 866-452-9243
Fax: 270-782-5740
E-mail: jmorre@klaid.org
Website: www.klaid.org
1122 Jefferson Street
PADUCAH, Kentucky 42001-1836
– Mortgage Delinquency and Default Resolution Counseling
– Pre-purchase Counseling
– Rental Housing Counseling
– English KENTUCKY LEGAL AID
CCCS OF THE MIDWEST Phone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@cccservices.com
Website:www.cccservices.com/home.asp
317 Main Street
PIKEVILLE, Kentucky 41501-1135
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– English CCCS OF THE MIDWEST/APPRISEN
BELL-WHITLEY COMMUNITY ACTION AGENCY, INC. Phone: 606-337-3044
Fax: 606-337-1439
E-mail: normancornelius@bell-whitley.org
Website: bell-whitley.org
129 Pine St.
PO Box 159
PINEVILLE, Kentucky 40977-1625
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– English KENTUCKY HOUSING CORPORATION
APPALACHIAN RESEARCH AND DEFENSE FUND OF KENTUCKY Phone: 606-886-3876
Toll-free: 800-556-3876
Fax: 606-886-3704
E-mail: dianef@setel.com
Website: www.ardfky.org
120 North Front Avenue
PRESTONSBURG, Kentucky 41653-7832
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– Rental Housing Counseling
– Services for Homeless Counseling
– English
– Spanish
WEST TENNESSEE LEGAL SERVICES, INCORPORATED
CCCS OF THE MIDWEST Phone: 800-355-2227
Toll-free: 800-355-2227
Fax: 614-552-4800
E-mail: info@cccservices.com
Website: www.cccservices.com
200 E Main St 2nd Floor
RICHMOND, Kentucky 40475-1628
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– English CCCS OF THE MIDWEST/APPRISEN
HAZEL JOYCE WILEY CAREER AND FINANCIAL LITERACY INSTITUTE, INC Phone: 502-647-3072
Fax: 502-647-3099
E-mail: hjwfinancial@bellsouth.net
Website: www.hjwfinancial.org
330 Main Street
SHELBYVILLE, Kentucky 40065-1026
– Fair Housing Pre-Purchase Education Workshops
– Financial Management/Budget Counseling
– Home Improvement and Rehabilitation Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Non-Delinquency Post Purchase Workshops
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Predatory Lending Education Workshops
– Rental Housing Counseling
– Services for Homeless Counseling
– English
– Spanish
POTENTIALS INC Phone: 606-416-5711
E-mail:potentials.scarlette@newwavecomm.net
105 Burdine Street
SOMERSET, Kentucky 42501-2311
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– Rental Housing Counseling
– English KENTUCKY HOUSING CORPORATION
PEOPLE’S SELF-HELP HOUSING, INC. Phone: 606-796-6333
Fax: 606-796-2606
E-mail: brendapshh@alltel.net
307 KY 59
VANCEBURG, Kentucky 41179-7648
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– English KENTUCKY HOUSING CORPORATION
GATEWAY COMMUNITY SERVICE ORGANIZATION, INC Phone: 606-743-3133
Fax: 606-743-1130
E-mail: debbie.vannorman@gcscap.org
124 College Street
PO Box 367
WEST LIBERTY, Kentucky 41472-1115
– Financial Management/Budget Counseling
– Mortgage Delinquency and Default Resolution Counseling
– Pre-purchase Counseling
– Pre-purchase Homebuyer Education Workshops
– English KENTUCKY HOUSING CORPORA

Kentucky Fannie Mae and Freddie Mac Home Possible Education Requirements

Home Possible

® Mortgages Homeownership Education Requirements

Home Possible homeownership education requirements, including:

The Road to Home Ownership® at https://www.ugcorp.com/rtho.html

Genworth Financial’s homebuyer education series at

http://mortgageinsurance.genworth.com/EmergingMarkets/HomebuyerEducation.aspx

 • MGIC’s Buyers Ed program at http://www.mgic.com/education/buyersed.html

• PMI’s homebuyer education at

http://www.pmi-us.com/expanding_markets/homebuyered.html

• RMIC’s pre-homeownership education course at http://www.rmic.com/productsandservices/prehomeownershiped/borrowereducation/Pages/default.aspx

 

• NeighborWorks® America at

www.nw.org

• Housing Partnership Network at www.housingpartnership.net

 • National Council of La Raza at www.nclr.org

National Urban League at www.nul.org

• Local Initiatives Support Corporation’s (LISC) at www.liscnet.org

• The Enterprise Foundation at

www.enterprisefoundation.org

• National Coalition for Asian Pacific American Community Development at

www.nationalcapacd.org

 

 Several CreditSmart (www.freddiemac.com/creditsmart) modules can be combined and deployed as live, instructor-led sessions by your organization, provided the following modules are included: